Security State Bank & Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 1.50 percentage points higher than in Q1 2026, at 8.59%. Within Texas, Security State Bank & Trust is 35th of 345 on net interest margin, 5.17% as of Q2 2026, above the middle of the field. Security State Bank & Trust reported 5.17% on net interest margin for Q2 2026, 1.46 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | 7.29% |
| Yield on securities | 2.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.15% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | 8.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.17% |
| Yield to cost spread | 4.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.7M |
| Total interest expense | $5.9M |
| Interest expense on deposits | $5.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.87% | 1.11% | 4.55% | 7.20% | 1.81% |
| Q4 2023 | 6.04% | 1.29% | 4.51% | 7.34% | 1.72% |
| Q1 2024 | 6.13% | 1.48% | 4.41% | 7.40% | 1.92% |
| Q2 2024 | 6.42% | 1.50% | 4.67% | 7.69% | 1.84% |
| Q3 2024 | 6.58% | 1.46% | 4.87% | 7.83% | 1.79% |
| Q4 2024 | 6.50% | 1.30% | 4.96% | 7.80% | 1.83% |
| Q1 2025 | 6.27% | 1.26% | 4.77% | 7.56% | 2.12% |
| Q2 2025 | 6.55% | 1.24% | 5.10% | 7.65% | 1.99% |
| Q3 2025 | 6.38% | 1.27% | 4.96% | 7.50% | 2.13% |
| Q4 2025 | 6.44% | 1.26% | 5.08% | 7.45% | 2.14% |
| Q1 2026 | 6.24% | 1.16% | 4.98% | 7.23% | 2.47% |
| Q2 2026 | 6.43% | 1.15% | 5.17% | 7.29% | 2.32% |
Security State Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank & Trust, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Security State Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15809) · FFIEC NIC profile (RSSD 247355)